Question 1

What types of commercial properties can I finance?

Accepted Answer

Lenders on our panel finance all types of commercial real estate including office buildings, retail shops, industrial warehouses, medical centers, hospitality venues (cafes, restaurants, pubs), childcare centers, self-storage facilities, and mixed-use properties, with terms up to 25 years. Whether you're owner-occupying or investing, we'll match you to the lenders active in your property type — appetite varies a lot between lenders and sectors.

Question 2

What deposit do I need for a commercial property loan?

Accepted Answer

Commercial property loans typically require a 20-30% deposit, though this varies by property type and your financial position. Owner-occupied properties may qualify for lower deposits (20-25%) while investment properties typically need 30-40%. Established businesses with strong financials and existing banking relationships sometimes secure lower deposits. Lenders Mortgage Insurance (LMI) is rarely available for commercial lending.

Question 3

What are current commercial property loan interest rates?

Accepted Answer

Commercial property rates are set by each lender and depend on loan size, property type, location, tenant quality, lease terms, loan-to-value ratio (LVR), and your business financials — so we don't publish a static list. Fixed rates (1-5 years) provide certainty while variable rates offer flexibility for extra repayments. We negotiate with lenders active in your asset class and show you real pricing for your deal, and you can browse current lender rates on our Compare Rates page.

Question 4

How is commercial property lending different from residential?

Accepted Answer

Commercial lending focuses on the property's income-generating ability, not just your personal income. Lenders assess: property rental income, tenant quality, lease terms, property location and condition, business financials, and loan serviceability from rent. Commercial loans typically have higher interest rates, require larger deposits, and involve more detailed property assessments than residential loans. Tax benefits are often more substantial for commercial property.

Question 5

Can I use commercial property equity to finance business growth?

Accepted Answer

Yes, commercial property equity is a powerful tool for business expansion. Once you've built equity (typically 20%+ of property value), you can access it through refinancing or secondary loans for: buying additional properties, purchasing business assets or equipment, working capital and cash flow, business acquisitions, or renovating existing properties. This leverages your property's value to fuel business growth while potentially benefiting from tax-deductible interest.

Question 6

What documents do I need for commercial property finance?

Accepted Answer

Required documents include: business financial statements (2 years), tax returns (2 years), rental statements or lease agreements, property details and valuation, deposit confirmation, business plan/cash flow projections, personal financial statements, and details of existing loans. For investment properties, tenant information and lease terms are critical. Pre-approval requires less documentation, while full approval needs comprehensive financial evidence.

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Why Choose Commercial Property Finance?

Competitive Rates

Fast Approval

Flexible Terms

High LVR Options

Property Expertise

Dedicated Support

Commercial Properties We Arrange Finance For

Office Buildings

Retail Properties

Industrial & Warehouses

Hospitality & Tourism

Specialized Properties

Mixed Use Properties

Finance Options

Purchase Finance

Refinance

Development Finance

Investment Property

Rates & Terms

Loan Amounts

Interest Rates

Loan Terms

Maximum LVR

Eligibility Requirements

Business Requirements

Property Requirements

Commercial Property FAQs